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Oklahoma insurance commissioner tours Pawnee earthquake damage

PAWNEE, Okla. - While they are still reeling and assessing the damage of the state record earthquake, Oklahoma Insurance Commissioner John Doak is touring the town of 2,220.

Doak wants to make sure earthquake victims know something about their insurance policies, something that can be easy to forget.

“Basic consumer education, to be able to tell them that earthquake coverage is not part of your homeowner’s policy unless you add it," Doak said.

And, remember, if you buy earthquake insurance, the deductibles are very high, because that kind of coverage is for one thing.

According to Doak, "earthquake coverage is for catastrophic loss," which means you have to have major damage before collecting on that insurance.

But, Doak was able to get insurance companies to include something very important to their earthquake coverage policies in Oklahoma.

"We’re very happy to report that over 90 percent, 90 percent plus that write earthquake coverage are covering man-made causes, like oil and gas and hydraulic issues" Doak said.

That’s good news to the mayor of Pawnee who said the record shaking last Saturday was unlike anything they have ever had to deal with before in their community.

"It’s a new process for everyone," said Mayor Brad Sewell. “Nobody has experienced an earthquake like this in Oklahoma."